This home is in Neptune Beach — a home near Duncan U. Fletcher High School.
Active Under Contract·44 days on market
317 Sunrise Circle
Neptune Beach, FL 32266
About this home
Neptune Beach
Living is wonderfully easy in the coastal townhome community of Summer Sands, located just one mile from the ocean in Neptune Beach. Nestled in a vibrant, multi-generational neighborhood that effortlessly blends a lively community spirit with a relaxed pace, this home allures you with a beautifully remodeled kitchen, a cozy wood-burning fireplace, and gleaming hardwood floors throughout. The smart, flexible layout features two large bedrooms with private ensuite baths, offering a highly versatile setup perfect for hosting family and long-term guests. For seamless indoor-outdoor enjoyment, French doors lead out to the cozy patio then continues to the backyard, a perfect space for entertaining friends. Excellent community amenities include a pool and a storage lot, but the true highlights are the short stroll to Brewhound dog park, Pickleball at Jarboe park, yoga studios, and local restaurants. This is an affordable coastal lifestyle you can live with--and truly love.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Cost to own
Taxes & assessment
Last sold: $450,000 in September 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $387,478 | $336,756 | — |
| 2024 | $376,717 | $326,717 | — |
| 2023 | $367,397 | $317,397 | ▲ $2,476 |
| 2022 | $308,800 | $205,667 | — |
| 2021 | $248,221 | $198,221 | — |
| 2020 | $227,565 | $112,951 | — |
2025 property taxes (current owner): $6,163/yr
Estimated taxes if purchased at asking price: ~$8,500/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,661 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
History
Price & status history
- Jul 29, 2026Active Under Contract$435,000
- Jul 16, 2026Price change$435,000−$5,000
- Jun 19, 2026Listed$440,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COMPASS FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Summer Sands
Active$350,000MLS# 2155266Est. $1,863/mo329 Sunrise Circle, Neptune Beach, FL 322661 Beds1 Baths1,136 sqftLive the Neptune Beach lifestyle in sought-after Summer Sands! This stylish 1-bedroom plus loft townhome features…
ResidentialREAL BROKER LLC
Active$335,000MLS# 2157108Est. $1,783/mo311 Sand Castle Way, Neptune Beach, FL 322661 Beds1 Baths1,113 sqft*OPEN HOUSE SATURDAY 11:30-1:30* Ideally located in the heart of Neptune Beach, this bright and open one-bedroom,…
ResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS
Keep looking
Similar homes in Neptune Beach
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines